Hi, My name is Mike Caputo. For more than two decades, I’ve had the great privilege to walk alongside clients through market downturns, tax law changes that affect investments, and personal milestones.

At Headwater, we know it’s not just about having enough money — it’s about feeling confident in every decision you make.

With that in mind, I built Headwater with a focus on depth—not scale. Serving fewer clients allows me to provide more attentive service. Through a “Right Fit” approach, I’ve built strong relationships that ensure personalized guidance from someone who truly knows your story—not just your file.

I take my role as a financial advisor very seriously, putting your needs and priorities first as we build a financial plan that can evolve as your life unfolds.